CN117633364A - Insurance product display method and system - Google Patents
Insurance product display method and system Download PDFInfo
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Abstract
The application provides an insurance product display method, which relates to the technical field of Internet, and is applied to a client for insurance product display. When the user purchases the insurance product, the accurate insurance scheme provided according to the insurance standard and the insurance specification parameter set by the user is displayed in the product list, and the method and the system provide convenience for the user to rapidly purchase the insurance product instead of fuzzy and summary description information.
Description
Technical Field
The embodiment of the invention relates to the technical field of Internet, in particular to a method and a system for displaying insurance products.
Background
Existing insurance product display systems, such as insurance malls, insurance proposal systems, etc., display insurance products to users through product lists, where the product information displayed in the list is not the exact data of the actual purchase of the product, such as shown in fig. 2, in the first product information of the product list, "highest payable 2090 ten thousand", "highest guaranteed 400 ten thousand", "attachable loss guarantee", "application age: 18-60 years", "guarantee period: 60-65 years", "17.00 years", etc., the data are all exact data, and when the user actually purchases, it is found that the highest payable available is not 2090 ten thousand, for example only hundred thousand, but the price of "17.00 years" becomes thousands of elements when actually purchased. The information is ambiguous, even forms the behavior of the induced user to a certain extent, and the user wants to obtain accurate purchase information, then the user needs to select one of the insurance products and enter a detailed page of the product to submit detailed setting data, as shown in fig. 3, related information of the insured person, such as date of birth, sex, insurance coverage area, social insurance, occupation and the like, and in addition, related settings are performed on the product, such as insurance amount, insurance period, payment type, payment period and the like, and finally accurate insurance scheme data is obtained, as shown in fig. 3, and the final purchase price is 18178.70 yuan. Therefore, the accurate purchasing data of each product needs to be set by a user in a certain time, and the method is unfavorable for the user to select among a plurality of products, so that the purchasing experience is very poor. Therefore, the existing insurance product display mode has certain limitations according to different purchase modes and needs to be invented to display the insurance product more accurately and directly, thereby providing better user experience.
Disclosure of Invention
Aiming at the problems, the invention provides a method for displaying the insurance product, which aims to provide a simple and quick method for checking, selecting and purchasing the insurance product for a user, realize the purchase of the insurance product like the purchase of the common product, and promote the experience of the user for selecting the insurance scheme and purchasing the insurance product.
In a first aspect, the present invention provides an insurance product display method, applied to a client for insurance product display, the method comprising:
collecting setting data related to an insurance target input by a user as first setting data, sending the first setting data to the server, wherein the insurance target is an object of insurance guarantee, and when the insurance target is a person, the first setting data is setting data related to the person and comprises one or more of the setting data of the insured person, the applicant and the beneficiary;
collecting setting data related to an insurance product input by a user as second setting data, and sending the second setting data to the server, wherein the setting data related to the insurance product is specification parameters of the insurance product required to be set for purchasing the insurance product, and the setting data related to an insurance standard is not included;
Receiving an application scheme set sent by a server and displaying the application scheme set in a list component;
receiving a selection event input by a user to the insuring scheme list, and displaying detailed information of the insuring scheme based on the selected insuring scheme;
the insurance product refers to an insurance plan or an insurance scheme for vending, which is formulated by an insurance company or an insurance institution and comprises purchase logic, guarantee calculation logic, application verification logic and support data of the insurance product; executing calculation on the insurance product, wherein a customer is required to provide the first setting data and the second setting data, and the two kinds of setting data are necessary conditions for executing calculation on the insurance product; the insurance scheme refers to a specific insurance scheme generated by performing calculation after setting the first setting data and the second setting data according to a given insurance product. It will be readily seen that the data information contained in the insurance product is not exact data, but rather the insurance scheme is entirely specific, being the insurance scheme object after instantiation of the insurance product for the insurance target, and the data contained therein is exact. And acquiring an insurance product set to be displayed at the server, setting elements contained in the set based on the first setting data and the second setting data, performing calculation to generate a corresponding insurance scheme, and returning the insurance scheme set to the client.
In the above implementation manner, the user provides two types of setting information, wherein the first setting information contains data of an insurance standard, namely, related settings of 'who is guaranteed', taking personal insurance as an example, namely, what is the situation of the user who tells the system, the second type of setting information is the requirement setting of purchase, namely, related settings of 'how is guaranteed', and finally, the returned insurance scheme list is greatly different from the existing insurance product display system, each insurance scheme presents accurate data, and the display effect of the insurance scheme is approximately the same as that of common commodities.
In a possible implementation, the set of insurance schemes is displayed at the client, i.e. the insurance schemes are displayed in a list form, optionally the first setting data is displayed at the same time at the client, i.e. the information about the set insurance target is displayed, optionally the second setting data is displayed at the same time at the client, i.e. the information about the set insurance product parameters is displayed. Through the implementation mode, the user can clearly determine the parameter setting of the relevant insurance products of the guarantee targets corresponding to the guarantee objects while browsing the guarantee scheme.
In one possible implementation, the client further includes a first setting panel or call button thereof, and a second setting panel or call button thereof. The first setting panel is used for setting information related to an insurance target, and the first setting data are collected based on the first setting panel; the second setting panel is used for setting data related to insurance products, and the second setting data is collected based on the second setting panel. Through the implementation mode, a user can adjust the setting information of the related insurance targets, replace the insurance targets, set the specification parameters of the insurance products and the like according to the needs in the process of browsing the insurance scheme.
In one possible implementation, displaying a second setting panel at the client for the user to set setting data related to the insurance product, further includes receiving second setting panel configuration data from the server, and configuring the second setting panel based on the second setting panel configuration data to set UI display content of the second setting panel. The second setting panel configuration data is provided by a server side calculation and comprises a plurality of configuration data items, each configuration data item corresponds to one specification parameter of an insurance product, the specification parameter is a specification parameter required to be set by the insurance product in the insurance product set to be displayed, the configuration data items are used for setting and generating a UI component for collecting the specification parameters, and each configuration data item internally comprises one or more of a parameter name, a parameter type, selectable items, a range value, descriptive information, prompt information and a verification rule. In this implementation manner, the second setting panel configuration data is configuration data, which is used for configuring the second setting panel, and this manner realizes that product setting item configuration data is generated based on the insurance product set to be displayed, and further configures the collected data items in the second setting panel, which can be understood that, when the insurance product set to be displayed to the user is the insurance product set a, after being calculated by the server, the second setting panel is configured to calculate the data items required to be collected by the insurance product set a, and when the insurance product set to be displayed to the user is the insurance product set B, the second setting panel is configured to calculate the data items required to be collected by the insurance product set B. Optionally, a calculation is performed at the client to obtain the second setting panel configuration data, typically by calculating the configuration data item from the user selected product category.
In one possible implementation manner, after the client executes the insurance product query and sends the query request to the server, second setting panel configuration data returned by the server is received, the second setting panel is updated based on the second setting panel configuration data, the second setting data is collected and sent to the server, and the insurance scheme set sent by the server is received and the display content in the list component is updated. In this implementation manner, it may be understood that, when the client executes insurance product query, product category selection, product filtering, etc., the server calculates an insurance product set to be displayed according to the requirements submitted by the user, and when the set is changed, new product setting item data is generated by calculation, so that the client can collect specification parameter setting data corresponding to the insurance product in the insurance product set to be displayed currently.
In one possible implementation manner, the method includes receiving a set of application schemes sent by a server, displaying the set of application schemes in a client list component based on the set of application schemes, and displaying the application schemes according to identification information of whether the application schemes are valid or not. In this implementation manner, the valid identifier of the insurance scheme refers to whether the specified insurance product can calculate and generate a valid insurance scheme based on the first setting data and the second setting data, and the invalid identifier of the insurance scheme indicates that the specified insurance product cannot calculate and generate a valid insurance scheme based on the first setting data and the second setting data, and for the invalid insurance scheme, the corresponding insurance product is displayed in the list component. For example, in the personal risk purchasing platform, through the embodiment of the application, a user can easily know which products are unsuitable for purchasing by the user, and which product settings are invalid, so that the user experience is obviously improved.
In one possible implementation manner, at the client, detailed information of the insurance scheme is displayed based on the insurance scheme selected by the user, further including displaying an insurance setting panel corresponding to the insurance product, collecting third setting data based on the insurance setting panel, sending, at the server, calculating the insurance scheme based on the first setting data and the third setting data, and returning the insurance scheme data to update the detailed information display, and further including sending, at the server, the third setting data as the second setting data, calculating and returning a new set of the insurance scheme, and updating display contents in the list component. From the above implementation, a separate specification parameter setting is provided for a specified insurance product, wherein the third setting data is different from the second setting data, the former being specification parameter setting data corresponding to a selected insurance product, the latter being specification parameter setting data corresponding to all insurance products in a set of insurance products to be displayed, or it is understood that the former is for setting one specified insurance product including all setting parameters corresponding to the insurance product, and the latter is for setting all insurance products in one set, which is a common setting parameter.
In a second aspect, the application also provides an insurance product display system, the system comprises a client and a server, the client comprises a first setting module, a second setting module, an insurance scheme list module and an insurance scheme detailed information display module, the server comprises an insurance scheme calculation module and an insurance setting generation module, wherein,
the first setting module is used for collecting setting data which are input by a user and are related to the insurance targets as first setting data.
The second setting module is used for collecting setting data related to the insurance product, which are input by a user, as second setting data, wherein the setting data related to the insurance product are specification parameters of the insurance product required to be set for purchasing the insurance product, and the second setting module does not comprise setting data related to an insurance standard.
The application scheme list module is used for displaying the application scheme set.
And the insurance scheme detailed information display module is used for displaying the detailed information of the insurance scheme according to the selected insurance scheme.
The insurance scheme calculating module is used for calculating and generating an insurance scheme, and comprises the steps of obtaining an insurance product set to be displayed, setting an insurance standard of the element based on the first setting data, setting specification parameters of the element based on the second setting data, executing calculation and generating the insurance scheme, and returning the insurance scheme set to a client.
In one possible implementation manner, the client further comprises a first display module and a second display module, wherein
The first display module is used for displaying data items contained in the first setting data;
the second display module is used for displaying data items contained in the second setting data.
In a possible implementation manner, the server side further comprises a product setting configuration data item calculating module, wherein the product setting configuration data item calculating module is used for calculating UI configuration data in a second setting module, and configuring UI display content of the second setting module based on the UI configuration data, the UI configuration data is provided by the server side in a calculating mode, each configuration data item corresponds to one specification parameter of an insurance product, the specification parameter is a specification parameter required to be set by the insurance product in a set of insurance products to be displayed, and each configuration data item is used for setting and generating a UI component for collecting the specification parameter, and each configuration data item internally comprises one or more of a parameter name, a parameter type, an optional item, a range value, description information, prompt information and a verification rule.
By combining the above, the insurance product display method and system provided by the embodiment of the application can enable the user to browse the insurance product with the set specification parameter information of the insurance standard, the observed insurance product is an actual insurance scheme generated based on the current insurance standard and the current purchase setting, and the displayed information is accurate information, so that browsing of the insurance product like browsing of common commodities is realized.
Drawings
Fig. 1 is a schematic flow chart of an insurance product display method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of an insurance product list interface of a prior insurance product system;
FIG. 3 is a schematic diagram of an operator interface for parameter set-up of a prior insurance product system;
FIG. 4 is a schematic diagram of a product listing interface of an insurance product display system according to an embodiment of the present application;
fig. 5 is a schematic flow chart of configuring a second setting panel UI using configuration data according to an embodiment of the present application;
FIG. 6 is a schematic flow chart of an insurance product query processing according to an embodiment of the present application;
FIG. 7 is a schematic diagram of a detailed page interface of an application scheme according to an embodiment of the present application;
FIG. 8 is a schematic diagram of a process flow for performing settings in an application scenario detailed page provided in an embodiment of the present application;
FIG. 9 is a schematic diagram of an insurance product display system according to an embodiment of the present disclosure;
fig. 10 is a schematic structural diagram of an insurance product display client according to an embodiment of the present application;
fig. 11 is a schematic structural diagram of an insurance product display service end according to an embodiment of the present application;
fig. 12 is a schematic structural diagram of an application detailed information display module including a third setting module according to an embodiment of the present application.
Detailed Description
The detailed description of the present application is merely for purposes of explanation and is not intended to limit the present application.
Embodiments of the present application will now be described with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some, but not all embodiments of the present application. As one of ordinary skill in the art can appreciate, with the development of technology and the appearance of new scenes, the technical solutions provided in the embodiments of the present application are applicable to similar technical problems.
The following is a description of some of the terms in this application to facilitate understanding by those skilled in the art:
1) And (5) insurance standard. An insurance standard refers to a specific object or benefit agreed in an insurance contract, that is, specific content of risk guarantee undertaken by an insurance company. In an insurance contract, targets may be property, person, liability, etc. In this application, "insurance target" is a term that is a member variable of "insurance product" for assigning specific information of "who provides insurance for" to an insurance object. Specifically, targets of property insurance may include property such as houses, automobiles, goods, and the like; targets of life insurance may include life, health, accidental injury, etc. of a person; targets of liability insurance may include damage or liability to a third party by an individual or business.
2) And (5) insurance products. An insurance product refers to an insurance plan or scheme for vending made by an insurance company or insurance agency that includes purchase logic, guarantee calculation logic, application verification logic, and support data for calculating and describing insurance responsibilities for the insurance product. In this application, an "insurance product" is a term that is different from the definition in a business term, is a template or blueprint used to describe a traditional insurance product, defines the attributes (member variables, such as "insurance" and "premium") and behaviors (member functions, such as premium calculation logic) of an insurance object, and is the basis for creating an object (where the object is an insurance scheme, an insurance object). Taking personal insurance as an example, the insurance product is an insurance plan or scheme provided by an insurance company to an insured person, and comprises some logic, but not particularly, for example, purchase logic supported by the insurance product comprises insurance setting, insurance period selection, payment mode selection, payment period selection and the like, and calculation logic comprising the insurance program calculates detailed insurance responsibility for example, calculates and obtains rates according to the age and sex of the insured person, the insurance period, the payment period and the like, further calculates and obtains annual premium and the like; the application verification logic therein is, for example, whether the applicant belongs to a specified region, whether the amount of the insurance is within a specified size range, whether the amount of the insurance is an integer multiple of 1000, whether the product attachment relationship is correct, and the like.
3) An insurance scheme is applied. In the application, the insurance scheme refers to a specific insurance scheme, which is to set relevant information of an insurance target on the basis of an insurance product, set specification parameters and the like required by the insurance product, execute calculation according to logic specified by the insurance product, and finally generate a definite data object which can be directly applied or purchased according to the specific data object. Also, unlike the "insuring schema" in traditional business nouns, which is a term of art in this application, it will be readily apparent from analogy to the description that, in this application, the relationship between an insurance product and an insuring schema, similar to the relationship between classes and objects in an object-oriented programming language, is the result of instantiating an "insurance product", which is an instance of an "insurance product", or is referred to as an "insurance object", possessing the properties and behaviors defined by the "insurance product". For example, for a personal insurance product a, first, relevant information of an insurance target, that is, information of an applicant, an insured person, etc. is set, and further, information of the insurance product itself, such as an insurance amount, an insurance period, a payment mode, a payment period, etc. is set, then, calculation, such as a calculation fee value, a calculation fee, a calculation insurance responsibility, etc., is performed according to logic included in the product a, and finally, an insurance scheme including accurate data is generated, for example, an annual premium of the insurance scheme is 2000 yuan, an actual insurance fee is 10 ten thousand yuan, and a survival fee taken in the 6 th year is 3000 yuan.
4) A list of application schemes. A list section for displaying an application program, typically, the section can display 3 or more pieces of application program data at a time, in which section summary information of each piece of application program data is displayed, for example, the displayed items include a main risk name, a guarantee amount, a premium, and the like. Optionally, the application scheme list component dynamically loads new data content as it slides to the bottom. Optionally, the insuring scheme list component pages display data content.
Hereinafter, embodiments of the present application will be described in detail:
existing insurance product display technologies have some drawbacks, mainly due to the particularities of the insurance product. Unlike common goods, insurance products have highly tailored attributes. The sales attributes of common goods are fixed, and the price is fixed for the same specification and style of goods, regardless of which customer purchases. While insurance products are different, their price and attributes are closely related to the personal situation of the insured person.
Pricing and attributes of insurance products are affected by a number of factors, such as the age, health, occupation, etc. of the insured person. Therefore, the user needs to set the parameters such as the insurance amount, the guarantee period, the payment mode, the payment period and the like when buying the insurance product. These parameters are similar to the model specification of a common good, but the price and attributes of the insurance product are also related to the personal condition of the insured. For example, as shown in fig. 3, an insured life with a price of 1000 yuan/year purchased by an 18 year old insured life user and a price of 13478 yuan/year purchased by a 58 year old insured life user, it is seen that the insured life product varies from person to person.
Current insurance product display systems often require users to provide detailed personal information and set parameters to obtain accurate purchase information. This approach is not only cumbersome, but it is also difficult for users unfamiliar with insurance products to determine which product is best suited to their own needs. Therefore, a new way of displaying insurance products is needed, which can display and sell insurance products more accurately, and provide better user experience.
Because of the above drawbacks of insurance product display technology, people cannot purchase insurance products as they do with ordinary goods. In the prior art of insurance product display, the insurance product, that is, the displayed data and information, such as "maximum payoff 2090 ten thousand yuan", "maximum insurance amount 400 ten thousand yuan", "17 yuan" and other information, which are not the insuring scheme, but are not the exact data and information, are displayed in the list part of the display page, and are not meaningful for the user, and the user is induced to some extent.
In the existing insurance product purchasing system, a user selects an interested insurance product A through a product list as shown in fig. 3, enters a detailed configuration page of the insurance product A, sets related information of an insurance target, such as birth date, insurance coverage, sex, occupation, social security status and the like, additionally sets related setting information of the insurance product, such as insurance amount, guarantee period, payment type, payment period, additional setting and the like, and calculates and generates a corresponding insurance coverage and displays after the setting is completed as shown in fig. 4. Thus, the user purchases an insurance product suitable for his own needs, and typically selects among a plurality of commodities, and when the user is interested in the insurance product B, the same setting and calculation steps as above are performed. It can be seen that the existing insurance product display technology has very low efficiency of purchasing products by users and very poor user experience.
Although related departments make policies to prevent the above induced customer behavior from occurring, and insurance agents select insurance products for customers and provide insurance schemes with accurate data, none of the above approaches fundamentally solve the problem of insurance product display.
Referring to the flow chart shown in fig. 1, an embodiment of the present application provides an insurance product display method, where the method is applied to an insurance product display system, and the system includes a client 10 and a server 20, and the main operation steps are as follows:
in the client 10:
s101, collecting setting data related to an insurance target, and generating first setting data;
s102, sending first setting data;
s103, acquiring specification parameter setting data of the insurance product, and generating second setting data;
s104, sending second setting data;
in the server 20:
s105, acquiring an insurance product list to be displayed, setting insurance products in the insurance product list based on first setting data and second setting data, and calculating to generate a corresponding insurance scheme;
s106, returning to the insurance scheme list;
in the client 10:
s107, displaying the insuring scheme with accurate data.
In the above steps, for example, the insurance product is a personal insurance product, the insurance target is a person, the setting data related to the insurance target includes data included in the applicant, the insured person, etc., for example, age, sex, occupation category, social security condition of the insured person, the area where the applicant is located, relationship between the applicant and the insured person, etc., and S101 collects the data as the first setting data. According to the logic of sales, calculation, application verification and the like formulated by the insurance product, on the basis of the above related data of the set insurance target, the calculation of the application scheme corresponding to the insurance product still cannot be completed, for example, some insurance products provide specification parameters and the like for users to select, the data are usually irrelevant to the insurance target, and are some specification parameters of the insurance product, for example, basic insurance amount, guarantee period, payment type, payment period, additional risk setting and the like, and the users need to execute the setting, corresponding to the step S103. In step S105 executed by the server, data retrieval is executed by the server, and an insurance product data set displayed to the user is obtained from the database according to risk category selection, condition query and the like, and the obtained data set is basically the same as the prior art, except that the prior art directly sends the data to the client for display. It should be noted that, in the present application, the server sets the first setting data and the second setting data for executing the corresponding insurance scheme calculation on the insurance product, and further sets some data items of the insurance product using default values for executing the insurance scheme calculation.
According to the above steps, unlike the prior art, in the embodiment of the present application, the user browses the insurance product with the insurance requirement information of the insurance target, and the obtained product list is not the information of the insurance product itself, but the accurate insurance scheme information calculated according to the requirement of the insurance target. For example, the user purchases the personal insurance products for himself, the browsed information is shown in fig. 4, and the data displayed in the list are all accurate data and are relevant to the user, so that the purpose of purchasing the insurance products like the ordinary goods is achieved, the price of each product is required, the available guarantees are what, and the specific guarantees are clear at a glance.
Through the implementation manner, the method has the advantages that the user browses the insurance schemes like browsing common commodities, after sending a network request to the server once, the S106 returns a plurality of insurance schemes, the situation that the user sets the insurance products one by one is avoided, the purchasing mode of insurance benefits is calculated independently, and in addition, in the scheme list, the provided accurate data is convenient for the user to select quickly.
In one possible implementation manner, the steps S101 and S102 may be replaced by a manner of acquiring information of the insurance label at the server, for example, in a personal insurance purchasing system, relevant data information of the applicant and the insured person is acquired at the server according to an account logged in by the user. Optionally, in one possible implementation scenario, the first setting data set from the client or the server includes setting data of a plurality of insurance targets, for example, in a shopping system of personal risk, the first setting data includes a plurality of setting data of a user and a family. Optionally, in a possible implementation scenario, the method further includes, at the client, collecting a switching instruction of an insurance target triggered by a user and sending the switching instruction to the server, at the server, setting an insurance product in the insurance product list by using first setting data corresponding to a new insurance target according to a switching request of the insurance target submitted by the user, calculating to generate a corresponding insurance scheme, returning the insurance scheme list to the client, and updating the insurance scheme list in the client. The implementation realizes that insurance products are purchased for self or family members simultaneously in one insurance product system, or insurance schemes are designed for a plurality of customers.
In a possible implementation, please refer to fig. 4, the insurance scheme data list is displayed at the client, optionally, the user-set setting data related to the insurance target is displayed at the client, the set related information of the current insured person is displayed at the area indicated by 401, optionally, the user-set insurance product specification parameter is displayed at the client, the set insurance product specification parameter is displayed at the area indicated by 403. In this implementation manner, the data information of the insurance standard set by the user and the insurance product specification parameter information are displayed at the same time, the region indicated by 404 in the figure displays the insurance scheme obtained by calculating the corresponding set condition, and the corresponding relation between the set data and the result data is clearly set, so that good shopping experience is provided for the user, and convenience is provided for the user to adjust the setting.
In a possible implementation manner, as shown in fig. 4, the client further comprises a first setting panel shown in 405 and a second setting panel shown in 406, wherein the first setting panel is used for setting information related to an insurance standard, and the first setting data is collected based on the first setting panel; the second setting panel is used for setting the specification parameters of the insurance products, and the second setting data are collected based on the second setting panel. By taking the insurance website of the sales person insurance as an example for purchasing, the user sets the related information of the user through the first setting panel, and sets the related purchasing requirement information through the second setting panel, namely, the insurance mall is browsed with the insurance requirement with the insurance coverage, and the observed insurance scheme is accurate purchasing and insurance information, so that the user experience obtained just like purchasing common commodities is basically realized. Although the above two types of setting data are core elements of the calculation and insurance scheme in step S105 in the embodiment of the present invention, for a user, in a general commodity purchasing process, the user generally needs to set commodity filtering conditions, specification parameters and the like, and in the insurance product purchasing process provided in the embodiment of the present application, the required two types of setting are basically the same as the setting form of the general commodity purchasing requirement, the difficulty is equivalent, and the user basically realizes that the user purchases the insurance product like purchasing the general commodity, and the experience is good.
A second setting panel shown in the client display 406 in fig. 4 is used to set the specification parameters of the insurance product itself, such as the guarantee amount, payment mode, payment period, etc., and this type of information is irrelevant to the insurance standard, and is information that the insurance company sets when designing the insurance product, and requires the user to set when purchasing a certain insurance product, such as the purchase setting in fig. 4, which is equivalent to the specification parameters of the common commodity. However, different types of insurance products, even different insurance products, are often different in purchase settings, for example, in personal insurance products, data items that are often required to be set for life insurance products include "guarantee period", "basic insurance amount", "payment mode", "payment period", and the like, and data items that are required to be set for medical insurance typically include "whether malignant tumor is included", "whether medical insurance for medical charge is included", "whether admission insurance for intensive care unit is included", and the like. Therefore, in one possible implementation manner, as shown in fig. 5, the embodiment of the present application provides a method for dynamically configuring the second setting panel UI to collect corresponding specification parameter data, which mainly includes the following steps:
In the server 20:
s501, acquiring an insurance product set to be displayed;
s502, calculating specification parameters required to be set by the insurance products in the insurance product set to be displayed, and generating second setting panel configuration data;
s503, sending second setting panel configuration data;
in the client 10:
s504, configuring a second setting panel UI based on the second setting panel configuration data;
s505, collecting second setting data through a second setting panel;
s506, sending second setting data;
in the server 20:
s507, assigning values to the insurance products in the insurance product set to be displayed by using the first setting data and the second setting data, and calculating to generate an insurance scheme.
In the above step, the second setting panel configuration data is a configuration data for configuring or generating the second setting panel, which is a data set, and includes one or more configuration data items, each of which is used to configure a specification parameter of the insurance product, and each of which includes one or more of a parameter name, a parameter type, a selectable item, a range value, descriptive information, prompt information, and a verification rule, for example, in the following data form:
[
{
"item": "basic guard";
“component”:”select”;
“option”:[
{
"name" 10 ten thousand yuan ";
“value”:”100000”;
},{
"name" 20 ten thousand yuan ";
“value”:”200000”;
}
]
}，
{
"item": "guarantee period";
“component”:”select”;
“option”:[
{
"name": 15 years ";
“value”:”15”;
},{
"name": 20 years ";
“value”:”20”;
},{
"name": 30 years ";
“value”:”30”;
}
……
]
}
……
]
it should be noted that the above data formats are only for example, and the present application supports various data formats applied to configuration. With the above configuration, the generated second setting panel is as shown in fig. 4. According to the purpose and the application of the configuration data, the configuration data is used for configuring the second setting panel to meet the requirement of acquiring specification parameter data of the security products in the security product set to be displayed, namely the second setting panel obtained after configuration, and the acquired second setting data can be used for setting the specification parameters of each security product in the security product set to be displayed. Further analysis, although the specification parameters of the insurance products are similar to those of common commodities, each insurance product has its own specification parameters to be set, so that the specification parameter items of two insurance products in the insurance product set to be displayed are not necessarily the same. Therefore, in the embodiment of the present application, for the insurance product a in the insurance product set to be displayed, the configuration data item included in the second setting panel configuration data is not necessarily completely identical to the specification parameter item of a, and optionally, in step S507, when a certain specification parameter item of a is not included in the second setting panel configuration data, a default value is used to assign a value to the specification parameter. In step S502, the server calculates and generates the configuration data of the second setting panel and returns to the client to configure the second setting panel, and optionally, in the client, the configuration data of the second setting panel is generated to configure the second setting panel according to the insurance product category information selected by the user. Calculating and generating configuration data in the second setup panel configuration data, including but not limited to the following: calculating specification parameter items according to the insurance products contained in the insurance product set to be displayed, for example, obtaining specification parameters of each insurance product, and calculating the specification parameters contained in each insurance product as configuration items in the configuration data of the second setting panel; and calculating configuration items in the second setting panel configuration data according to the query or filtering condition of the insurance product to be displayed currently, wherein different risk categories correspond to different second setting panel configuration data.
In the above implementation, S501 obtains the insurance product set to be displayed, which is basically the same as the existing insurance product display system, and it can be understood as a process of querying the database to obtain the data set. According to the implementation of the embodiment of the application, an application scheme needs to be generated for the insurance products contained in the collection, and the specification parameter data of each insurance product is a necessary condition for calculating the application scheme, so that the client is required to collect which specification parameters, and the client is calculated by the step S502 of the server, and the implementation method for dynamically configuring the UI and collecting the specification parameter data according to the requirements is constructed by combining the above steps.
In one possible implementation, similar to the method and steps of configuring the second setting panel using the second setting panel configuration data shown in fig. 5, the first setting panel is configured by calculating and generating first setting panel configuration data at the server or the client, so that the first setting panel can collect relevant data of an insurance target according to the calculation requirement of an insurance product. For example, different types of insurance products may have different required settings for the insurance target, life insurance products may be required to provide information about social security, and medical insurance products may be required to provide information about medical security. According to the above, the method and steps for configuring the first setting panel are similar to those for configuring the second setting panel, and are not described herein again.
According to the above, according to the nature of the product setting item data, when the insurance product set to be displayed changes, the second setting panel configuration data needs to be regenerated. In one possible implementation, please refer to a flowchart of an insurance product query processing shown in fig. 6, which mainly includes the following steps:
in the client 10:
s601, executing insurance product inquiry;
s602, sending a query request;
in the server 20:
s603, calculating and generating second setting panel configuration data;
s604, returning second setting panel configuration data;
in the client 10:
s605, updating a second setting panel;
s606, collecting second setting data;
s602, sending second setting data;
in the server 20:
s603, executing product calculation to generate an application scheme set;
s604, returning to an insurance application scheme set;
in the client 10:
s605, receiving the set of application schemes and updating the display content in the list component.
In the above implementation manner, the product query operation executed at the client may undoubtedly cause the content of the insurance product set to be displayed to change, so that the second setting panel configuration data needs to be recalculated and configured, a new second setting data acquisition is executed, the insurance product is set by using the new second setting data, and the application scheme is calculated and generated. Because the insurance product set to be displayed contains a plurality of insurance products, an insurance scheme is calculated for each insurance product, and finally, the insurance scheme set is generated.
In one possible implementation, please refer to the product list schematic of the insurance product display system shown in fig. 9, in the set of insurance schemes received by the client 10, there is an invalid insurance scheme, such as "product C" in the figure, and the data is displayed in the list component, and the invalid related identification information is displayed. The basic reason why the invalid insurance scheme exists is that the specified insurance product cannot calculate and generate the valid insurance scheme based on the first setting data and the second setting data provided by the client. Alternatively, for invalid insurance policies, the corresponding insurance product related data is displayed in the list part and marked as not being a valid insurance policy, as in the existing insurance product display technology. Optionally, in the list component, the invalid application scheme is hidden, or part of the recorded data item is hidden. Alternatively, for an invalid application program, the reason why it cannot calculate the generation of the application program is displayed.
In a possible implementation manner, please refer to the detailed page schematic diagram of the insurance scheme shown in fig. 7, the user selects one insurance scheme in the list component, and the detailed information of the insurance scheme is displayed as shown in the figure, and includes, in addition to the insurance product information, the related information of the insurance label, the purchase setting parameters, the calculated insurance responsibility, a third setting panel for setting the insurance product object, which is defined as third setting data in this application. FIG. 8 shows a process flow for performing scheme settings in an application scheme detail page, with the main steps being as follows:
In the client 10:
s801, entering a detailed page of an insurance scheme, and displaying an insurance product specification parameter setting panel corresponding to the insurance scheme;
s802, collecting and generating third setting data from an application setting panel;
s803, sending third setting data;
in the server 20:
s804, calculating an application scheme based on the first setting data and the third setting data;
s805, returning the application scheme data;
in the client 10:
s806, updating the detailed information display;
alternatively, the following steps replace steps S804 to S806:
in the server 20:
s807, calculating all insurance products to be displayed based on the first setting data and the third setting data, and generating the insurance scheme set;
s808, returning to the insurance scheme set;
in the client 10:
s809, updating the display content in the list component;
in the above implementation, the third setting data is similar to the second setting data, but is one that corresponds entirely to the current insurance product. Optionally, third setting panel configuration data is returned from the server to configure the third setting panel, wherein the third setting panel configuration data is similar to the nature and the generation manner of the second setting panel configuration data. Optionally, in the third setting panel, the collected data further includes a portion of the first setting data. Optionally, based on the setting data collected in the third setting panel, submitting settings to calculate all products in the insurance product set to be displayed. Optionally, according to the selection of the user, calculating all products in the insurance product set to be displayed according to the third setting data is performed. Optionally, based on the setting in the third setting data, corresponding data items in the first setting panel and the second setting panel are covered.
Based on the same inventive concept, referring to fig. 9, an embodiment of the present invention further provides an insurance product display system, where the system includes a client 10, a server 20, the client includes a first setting module 102, a second setting module 103, an insurance scheme list module 101, and an insurance scheme detailed information display module 104, and the server includes at least an insurance scheme calculation module 201. The following is described in conjunction with an example of a personal insurance product display system:
the first setting module 102 is configured to collect, as first setting data, setting data related to an insurance target input by a user. The collected first setting data is used for providing relevant data of an insurance target, such as an applicant, information of the insured, and the like.
The second setting module 103 is configured to collect setting data related to the insurance product input by the user as second setting data. The second setting data provides relevant setting data of the specification parameters of the insurance product, such as the insurance amount, the guarantee period, the payment mode, the payment period, whether the insurance product is added or not, and the like.
The application scheme list module 101 is configured to display an application scheme set. The module is typically a data listing component that receives the collection of application programs data, which is displayed in the listing component, typically displaying key information for each application program in the listing, such as key data items such as "premium," "premium," etc. Optionally, the list component includes an unlimited load function, loading data as the user slides. Optionally, the list component includes a paging function. Optionally, the list component includes data filtering and ordering functions.
The application scheme detailed information display module 104 is configured to display detailed information of the application scheme according to the application scheme selected in the application scheme list module 101. The module is used for displaying all information of the insuring scheme object.
The insurance scheme calculating module 201 is configured to calculate and generate an insurance scheme, and includes obtaining an insurance product set to be displayed, setting an insurance standard of an element based on the first setting data, setting the element based on the second setting data, executing calculation and generating the insurance scheme, and returning the insurance scheme set to a client. The main function of the module is a process of instantiating an insurance product as an insurance Object, which is similar to an Object instantiating process in an objectifying program, namely, a process of instantiating an insurance product Class (Class) A as an insurance Object (Object) B, firstly, assigning a member variable of A, such as a member variable related to an insurance target (such as an applicant, related information of an insured person), a member variable of specification parameter properties related to the insurance product (such as an insurance amount, a guarantee period, a payment mode and the like), further assigning or designating values of some member variables at the time of defining A (such as a rate table, a guarantee term description text, a cash value table and the like), and further assigning default values to the member variable at the time of defining A by using the default values when the designated assignment cannot be obtained in the above assigning process. Of course, the above assignment to the member variable belongs to the initialization assignment when generating B, the process cannot complete all member variable assignments (such as premium, a certain insurance responsibility, etc.), and on the basis of the completion of the above initialization assignment, a predefined calculation step is performed, for example, a function or method F1 is performed, a member variable c is calculated according to a member variable a and a member variable B, a function or method F2 is performed, a member variable e is calculated according to a member variable d, a method F3 is performed, and a member variable g is calculated according to a member variable c and a member variable e, where F1, F2, and F3 are predetermined external methods or member methods of a, which include calculation logic inside the insurance product, and finally, the calculation step completes the assignment to all member variables included in a, i.e., completes the instantiation process of a, and forms an insurance object B (insurance scheme). It should be noted that the above instantiation process is only for illustration, and illustrates the relevant functions of the application scheme calculation module 201.
In a possible implementation manner, as shown in fig. 10, the client 10 further includes a first display module 105 and a second display module 106, where
The first display module 105 is configured to display the first setting data, for example, the module displays information about the applicant and the insured life.
The second display module 106 is configured to display the second setting data, for example, the second setting data is configured to display the set insurance product specification parameter information.
In a possible implementation manner, as shown in fig. 11, in the server 20, a product setting configuration data item calculating module 202 is further included, where the product setting configuration data item calculating module is configured to calculate UI configuration data in the second setting module, and configure UI display content of the second setting module based on the UI configuration data. The UI configuration data is provided by a server side calculation and comprises a plurality of configuration data items, each configuration data item corresponds to one specification parameter of an insurance product, the specification parameter is a specification parameter required to be set by the insurance product in an insurance product set to be displayed, the configuration data items are used for setting or generating a UI component for collecting the specification parameters, and each configuration data item internally comprises one or more of, but not limited to, a parameter name, a parameter type, an optional item, a range value, description information, prompt information and verification rules. For example, the server side queries and obtains an insurance product set a to be displayed from the database, calculates and obtains data items contained in the second setting data according to the union of insurance product data members contained in the set a, further obtains configuration data corresponding to each data item, or calculates and obtains data items contained in the second setting data according to the intersection of insurance product data members contained in the set a, further obtains configuration data corresponding to each data item, or further obtains configuration data corresponding to each data item according to the data item set corresponding to the current insurance product category as the data items contained in the second setting data. Optionally, a data item calculation module is included in the client, and configuration data is obtained at the client based on the product category calculation set by the user to configure the UI component in the second setting module.
In a possible implementation, as shown in fig. 12, in the client 10, the insurance scheme detailed information display module 104 further includes a third setting module 1041, where the third setting module 1041 provides a function of the second setting module to set parameters of the insurance product during the display process of the insurance scheme detailed information. Optionally, the third setting module 1041 further includes a function of setting information related to the insurance target, that is, it has a function of the first setting module. The module provides a function of setting an insurance object when viewing a detailed insurance scheme (insurance object).
By combining the above, according to the insurance product display system and method provided by the embodiment of the application, when a user browses an insurance product, related information of an insurance target and insurance demand information are firstly set, the insurance product is set and calculated by a server, and finally, an insurance application object is directly displayed on a client. The beneficial effects produced by the embodiments of the present application can be summarized as follows: the method has the advantages that the prior art is used for displaying the insurance products in the list part, the insurance products are updated to be displayed in the insurance scheme, the browsing mode of the insurance products obtained immediately after being seen is provided, the insurance products are browsed like common products for users, the efficiency of purchasing the insurance products by the users is improved, meanwhile, convenience is brought to the users for comparing and selecting the insurance scheme, and the experience is good.
The foregoing is merely a specific implementation of the embodiments of the present application, but the protection scope of the embodiments of the present application is not limited thereto, and any changes or substitutions that may be easily contemplated by those skilled in the art within the technical scope of the embodiments of the present application should be covered within the protection scope of the embodiments of the present application. Therefore, the protection scope of the embodiments of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. An insurance product display method applied to a client of insurance product display, comprising:
collecting setting data related to an insurance target input by a user as first setting data, and sending the first setting data to a server, wherein the insurance target is an object of insurance guarantee, and when the insurance target is a person, the first setting data is the setting data related to the person and comprises one or more of the setting data of the insured person, the applicant and the beneficiary;
collecting setting data related to an insurance product input by a user as second setting data, and sending the second setting data to the server, wherein the setting data related to the insurance product is specification parameters of the insurance product required to be set for purchasing the insurance product, and the setting data related to an insurance standard is not included;
Receiving an application scheme set sent by a server and displaying the application scheme set in a list component;
receiving a selection event input by a user to the insuring scheme list, and displaying detailed information of the insuring scheme based on the selected insuring scheme;
the insurance product is an insurance plan or an insurance scheme for vending, which is formulated by an insurance company or an insurance mechanism and comprises purchase logic, guarantee calculation logic, application verification logic and support data of the insurance product; executing calculation on the insurance product, wherein a customer is required to provide the first setting data and the second setting data, and the two types of setting data are necessary conditions for executing calculation on the insurance product; the insurance scheme is a specific insurance scheme generated by performing calculation after setting the first setting data and the second setting data according to a given insurance product; and acquiring an insurance product set to be displayed at the server, setting elements contained in the set based on the first setting data and the second setting data, performing calculation to generate a corresponding insurance scheme, and returning the insurance scheme set to the client.
2. The method of claim 1, wherein displaying the set of application schemas at the client further comprises displaying the first setting data at the client and/or displaying the second setting data at the client.
3. The method according to claim 1, wherein a first setting panel or a call button thereof, a second setting panel or a call button thereof is included in the client, the first setting panel being used for setting information related to an insurance target, the first setting data being collected based on the first setting panel; the second setting panel is used for setting data related to insurance products, and the second setting data is collected based on the second setting panel.
4. The method of claim 3, wherein displaying the second setup panel at the client further comprises receiving second setup panel configuration data from the server, configuring the second setup panel to set UI display content of the second setup panel based on the second setup panel configuration data;
the second setting panel configuration data is provided by a server side calculation and comprises a plurality of configuration data items, each configuration data item corresponds to one specification parameter of an insurance product, the specification parameter is a specification parameter required to be set by the insurance product in the insurance product set to be displayed, the configuration data items are used for setting or generating a UI (user interface) component for collecting the specification parameters, and each configuration data item internally comprises one or more of a parameter name, a parameter type, selectable items, a range value, descriptive information, prompt information and a verification rule.
5. The method of claim 1, further comprising, after the client executes the insurance product query and sends the query request to the server, receiving the second setting panel configuration data returned by the server, updating the second setting panel based on the second setting panel configuration data, collecting second setting data, sending the second setting data to the server, receiving the insurance scheme set sent by the server, and updating the display content in the list component.
6. The method of claim 1, wherein receiving the set of application schemes sent by the server, based on which the set of application schemes is displayed in the list element, further comprising determining whether the application scheme is valid, and displaying the application scheme data item when the application scheme is confirmed to be valid; and when the insuring scheme is confirmed to be invalid, displaying data items of insurance products corresponding to the insuring scheme, and displaying invalid identifiers, wherein the invalid identifiers of the insuring scheme indicate that the effective insuring scheme cannot be calculated and generated by the insurance products corresponding to the insuring scheme based on the first setting data and the second setting data.
7. The method of claim 1, wherein displaying detailed information of the insurance scheme based on the selected insurance scheme, further comprising displaying an insurance setting panel corresponding to the insurance product, collecting third setting data transmission based on the insurance setting panel, calculating the insurance scheme based on the first setting data and the third setting data at the server, and returning the insurance scheme data to update the detailed information display, further comprising transmitting the third setting data as the second setting data, calculating and returning a new set of the insurance schemes at the server, and updating display contents in the list part.
8. An insurance product display system comprises a client and a server, wherein the client comprises a first setting module, a second setting module, an insurance scheme list module and an insurance scheme detailed information display module, the server comprises an insurance scheme calculation module, and the insurance scheme calculation module comprises a first setting module, a second setting module, an insurance scheme list module and an insurance scheme detailed information display module,
the first setting module is used for collecting setting data which are input by a user and are related to the insurance standard as first setting data;
the second setting module is used for collecting setting data related to the insurance product, which are input by a user, as second setting data, wherein the setting data related to the insurance product are specification parameters of the insurance product required to be set for purchasing the insurance product, and the second setting module does not comprise setting data related to an insurance standard;
the application scheme list module is used for displaying an application scheme set;
the system comprises an application scheme detailed information display module, a display module and a display module, wherein the application scheme detailed information display module is used for displaying detailed information of an application scheme according to the selected application scheme;
the insurance scheme calculating module is used for calculating and generating an insurance scheme, and comprises the steps of obtaining an insurance product set to be displayed, setting an insurance standard of the element based on the first setting data, setting specification parameters of the element based on the second setting data, executing calculation and generating the insurance scheme, and returning the insurance scheme set to a client.
9. The system of claim 8, further comprising a first display module, a second display module at the client, wherein,
the first display module is used for displaying data items contained in the first setting data;
the second display module is used for displaying data items contained in the second setting data.
10. The system of claim 9, further comprising a product setting configuration data item calculation module, the product setting configuration data item calculation module configured to calculate UI configuration data in a second setting module, and configure UI display content of the second setting module based on the UI configuration data, wherein the UI configuration data is provided by the server calculation, and includes a plurality of configuration data items, each configuration data item corresponds to one specification parameter of an insurance product, the specification parameter is a specification parameter required to be set by the insurance product in the insurance product set to be displayed, and the configuration data items are used to set or generate UI components for collecting the specification parameters, and each configuration data item includes one or more of a parameter name, a parameter type, an optional item, a range value, description information, prompt information, and a verification rule.
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| CN202410109272.9A CN117633364A (en) | 2024-01-26 | 2024-01-26 | Insurance product display method and system |
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| US20170024821A1 (en) * | 2015-07-21 | 2017-01-26 | Tectonic Advisors, LLC | Predictive, integrated software designed to optimize human and financial capital over life of user |
| CN115034906A (en) * | 2022-04-20 | 2022-09-09 | 苏州圈点互动科技有限公司 | Financial product configuration scheme memorizing and recommending method and system |
| CN116467004A (en) * | 2023-02-17 | 2023-07-21 | 保腾网络科技有限公司 | Dynamic configuration method and device for application parameters, storage medium and server |
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- 2024-01-26 CN CN202410109272.9A patent/CN117633364A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170024821A1 (en) * | 2015-07-21 | 2017-01-26 | Tectonic Advisors, LLC | Predictive, integrated software designed to optimize human and financial capital over life of user |
| CN115034906A (en) * | 2022-04-20 | 2022-09-09 | 苏州圈点互动科技有限公司 | Financial product configuration scheme memorizing and recommending method and system |
| CN116467004A (en) * | 2023-02-17 | 2023-07-21 | 保腾网络科技有限公司 | Dynamic configuration method and device for application parameters, storage medium and server |
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